A regulated consumer lender may not use multiple loan
agreements with intent to obtain a higher loan finance charge than
would otherwise be permitted by the provisions of this article. A
regulated consumer lender uses multiple loan agreements if, with
intent to obtain a higher loan finance charge than would otherwise
be permitted, he allows any person, or husband and wife, to become
obligated in any way under more than one loan agreement with the
regulated consumer lender for a regulated consumer loan under this
article.

The excess amount of the loan finance charge provided for in
agreements in violation of this section is an excess charge for the
purposes of the provisions on effect of violations on rights of
parties.

Note: WV Code updated with legislation passed through the 2015 Regular Session
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